kementerian koperasi dan ukm republik indonesia · pdf filekementerian koperasi dan ukm...

KEMENTERIAN KOPERASI DAN UKMREPUBLIK INDONESIA
By :
DEPUTY MINISTER FOR FINANCIAL BUSINESS
THE MINISTRY OF COOPERATIVE AND SMES
REPUBLIC OF INDONESIA
Bogor Indonesia, 14th May 2016

KEMENTERIAN KUKMDEPUTI
PEMBIAYAAN
Outlines
Background.
How to build common people enterprises.
Empowering Micro and Small enterprises thru
Co-op.
Role and Function of the Ministry.
Expotition Success Story.

PEMBIAYAAN
Regarding to the moslem
population in indonesia and its
role in the national economy, the
encouragement for economic
development based on the
principles of Islamic economics is
very reasonable. Islamic
economic system is believed to
be able to answer the economic
injustice and minimize the
economic risk posed economy of
the capital economic system
which hit the Indonesia in
economic crisis in 1998.
Muslim Population of Indonesia

PEMBIAYAAN
The Criteria of the law SMEs No. 20/2008
Large Business / Conglomerate:Net Worth Over 10 billionProceeds from Sale / yr More than 50 billion
Medium Enterprises:Net Worth > Rp 500 million to 10 billion orSales / yr > Rp 2.5 billion to 50 billion
Small Business:Net Worth > Rp 50 million to 500 million orSales / th> Rp 300 million up to 2.5 billion
Micro Business:Net Worth

PEMBIAYAAN
FAKIR MISKIN
MISKIN
NOT FEASIBLE BUSINESS AND NOT BANKABLE
POOR PEOPLE 28,59 million
of population (11,37%)(Central Bureau of Statistics S 2013)
Bank /Capital Market/ Other Financial Institusion
FEASIBLE BUSINESS AND NOT BANKABLE
FEASIBLE BUSINESS AND BANKABLE
Total
70%
Total 30%
Total 40%
Total 60%
Total 90%
Deputi Bidang Pembiayaan, Diolah dari Berbagai Sumber
Total 10%
CLUSTE
R 1
CLUSTE
R 2
CLUSTE
R 3
CLUSTE
R 4
CLUSTE
R 5
CLUSTER
6
EXISTING CONDITION
MEDIUM
ENTERPRISE 52,1 Thousand
(0,09%)
SMALL
ENTERPRISE 654, 2 Thousand
(1,13%)
MICRO
ENTERPRISE 57,2 Thousand
(98,77%)
FEASIBLE TO GO PUBLIC
Linkage Bank
Business Credit People (KUR)
Revolving Fund from LPDB KUKM
Saving and Loan/
Financing Cooperatives
Government Empowerment Programe
Utilization Infaq and Wakaf
Bank Financial
Institution Business Credit
People (KUR) Governmen
Bonds (SUP 005) Revolving Fund
from LPDB KUKM
FINANCING SCHEMELARGE
ENTERPRISE
5,06 thousand(0,01%)
VERY POOR
POOR
EXISTING CONDITION & FINANCING SCHEME FOR MSMEs
Government Empowerment Programe
Saving and Loan/ Financing
Cooperatives
Utilization Infaq and Wakaf
Government
Empowerment Programe
Utilization Zakat and Shodaqoh

Associated Peoples joined voluntarily to meet their economic and social aspiration
through democratic enterprises.
6
In term of people prosperity, it is hard to use individual approaches, instead
we have to use group approaches by utilizing COOPERATIVES model.

PEMBIAYAAN
Supporting Small and
Medium Enterprises into Set
up Co-ops
Co-op Governance by Group
System and Join Liability/Group
Landing
Legal Entity
(Cooperative)
Access to Business Center
and Marketplace
Provide Training - Education
incl Business Assistance
Institutional Building of Co-op

PEMBIAYAAN
NO TYPE OF FINANCIAL CO-OPS
NUMBER OF
COOPERATIVESMEMBERS OUTSTANDING
Units Individual IDR (Trillion)
1 2 3 4
1. Saving and Loan Cooperatives/
Credit Union (KSP/KOPDIT)
10.683 3.050.270 17.54
2. Saving and Loan Unit of Multi
Cooperatives (USP-Koperasi)
95.053 15.187.326 44.87
3. Sharia Financial Services
Cooperatives (KJKS)
1.167 122.439 3.25
4. Sharia Financial Services Unit
of Multi-Cooperatives (UJKS-
Koperasi)
2.141 279.967 0.65
Total 109.044 18.640.007 66.31
Compare to the conventional financial co-ops, Syaria financial coops in
Indonesia still undeveloped well. Therefore it need conducive environment
by more regulated instruments for encouraging Sharia Cooperative.
Existing Condition of Co-ops on Financial Services
The Ministry of Coop & SMEs Data 2014

PEMBIAYAAN
Empowerment Stages of SMEs by Cooperatives
Inp
ut
Pro
ce
ss
Ou
tpu
t
Prespective BSC
Models of Cooperative
Empowerment
Em
po
we
rme
nt
Pro
ce
ss
by
Co
op
era
tiv
es

PEMBIAYAAN
Key Succesful Indicators
BENEFIT
QUALITY
QUANTITY
More simply access for members on
sharia microfinance services from
cooperatives.
Service and product will give economic
promotion and generating income of
members.
Suitability of services and products of
member aspirations and chacteristics
business
The increasing volume of member
transactions on Cooperative business.
ACCSESIBILI
TY1
2
3
4

PEMBIAYAAN
1. Zakat, Infaq and Shodaqoh reached IDR 217 trilion
/USD 18 Billion (Base on BAZNAS data, 2014)
2. Wakaf amount : IDR 120 trillion/USD 12 billion (Data
from : Badan Wakaf Indonesia, 2014)
ZISWAF become a potential resources fund for community
development, partucularly for low income people in micro
and small businesses, and Cooperatives as well.
11
ZISWAF Fund in Indonesia
ZISWAF Fund for Empowerment

PEMBIAYAAN
BMT COOPERATIVES
The Strategic Role ofBaitul Maal wat Tamwil
Cooperative

PEMBIAYAAN
Improving Model for Financial Access

PEMBIAYAAN
Business Activity Baitul Tamwil

PEMBIAYAAN
Business Activity Baitul Maal

PEMBIAYAAN
Facilitating Co-ops to ZISWAF
16
1. Facilitation Formation of Zakat Atministrator (Mitra Pengelola Zakat, MPZ)
Amil
InstitutionNamber of MPZ Information
1. LAZ
Dompet
Dhuafa
128 MPZ Amil Institusion has been MoU :
1. Rumah Zakat
2. PKPU
3. Baitulmaal Hidayahtullah
4. LAZIZ Muhamadiyah
5. LAZIZ BSM
2. LAZ Baitul
Maal
Muamalat
86 MPZ
2. Facilitation of Syariah Cooperative (KJKS/KBMT) as Nazir (Cash Waqf)
Facilitation
Namber of KJKS BMT
2013 2014
Stage
1
Stage
2
Stage
3
Stage
4
Stage
5
Stage
6
Request 12 29 18 13 15 23 KJKS/KBMT
Propose 10 20 16 11 13 15 Coplete File
Determinatio
n
8 15 15 10 13 51 KJKS/KBMT has been Nazir
(Cash Waqf)

PEMBIAYAAN
17
2012 2013 2014
3. Technical Guidance and Socialization of Zakat and Waqf
Target 100 KJKS/KBMT 100 KJKS/KBMT 100 KJKS/KBMT
Realization 120 KJKS/KBMT 120 KJKS/KBMT 120 KJKS/KBMT
4. Facilitation Traning of Capacity Building Manager
a. Traning of Capacity Building ZIS Manager 105 Orang
b. Traning of Capacity Building Sharia Supervisory
Board
Compliance
67 Orang
c. Training of Capacity Building Nazir (Cash Waqf) 70 Orang
d. Traning of Capacity Building Management and
Sharia Compliance
280 Orang

PEMBIAYAAN
Some Expotition
Establish 22nd July 1992
30 officess with 456 staff

PEMBIAYAAN
Collecting ZISWAF Fund
SOURCE
YEAR (IDR)
2006 2007 2008 2009 2010 2011 2012
Zakat 9.937.000 25.871.400 28.754.800 61.292.300 86.157.740 162.851.000 198.178.600
Infaq 4.356.750 17.557.050 8.064.800 15.304.500 4.861.700 6.150.500 11.975.500
Wakaf 0 500.000 0 10.000.511 25.105.782 43.689.801 10.654.000
TOTAL 14.293.750 43.928.450 36.819.600 86.597.311 116.125.222 212.691.301 220.808.100

PEMBIAYAAN
Some figures of TAMZIZ
YEAR ASSET STAFF CAPITAL SAVING SERVICESS PROFIT SHARE
2003 5.169.000.000 45 311.000.000 1.053.000.000 4.491.000.000 42.571.430
2004 9.663.000.000 73 353.000.000 905.000.000 6.787.000.000 79.583.619
2005 14.069.000.000 96 856.000.000 1.469.000.000 10.395.000.000 75.101.732
2006 21.781.000.000 101 1.089.000.000 1.002.000.000 14.954.000.000 102.321.849
2007 42.873.000.000 150 3.213.000.000 2.568.000.000 31.376.000.000 188.492.098
2008 73.600.000.000 193 5.867.000.000 4.612.000.000 55.412.000.000 326.465.795
2009 121.630.000.000 302 9.474.000.000 12.193.000.000 83.270.000.000 532.990.617
2010 180.925.000.000 374 15.204.000.000 16.377.000.000 126..646.000.000 788.478.582
2011 239.841.000.000 440 20.535.000.000 7.147.000.000 153.660.000.000 1.041.674.731
2012 330.878.000.000 456 30.910.000.00

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